Evictions disproportionately affect the city's lowest income residents in the most
racially diverse communities.
(20)
About sixty-four million (64,000,000) people in the United States have no credit history
or lack sufficient credit history to generate a credit score with the major credit
bureaus.
(21)
A 2013 Federal Trade Commission Study found that one (1) in five (5) consumers had
an error on at least one (1) of their three (3) credit reports.
(22)
Numerous studies find that credit scoring systems have disparate impacts on communities
of color.
(23)
Credit scores by themselves typically are not based upon the applicant's history of
rent payment and do not necessarily predict the likelihood of paying rent on a regular
and timely basis.
(24)
Increasing housing access and promoting housing stability directly furthers the health,
safety, and welfare of the city's residents.
(25)
The city will continue to monitor and improve this ordinance based on new information,
including tenant and property owner experiences, research and market conditions, as
it becomes available.
(b)
Screening criteria made available. Before accepting applications for rental housing, a landlord must make readily available
to all applicants the landlord's rental screening criteria in as much detail as is
feasible.
(c)
Inclusive screening criteria. A landlord must either conduct the individualized assessment required by subdivision
(d) below, or apply inclusive screening criteria that do not reject an applicant for
any of the following reasons:
(1)
Criminal history.
a.
Any arrest in an inactive case that did not result in conviction;
b.